409 3rd St, Bovey, MN 55709 Property Records

Itasca County property record for 409 3rd St, Bovey, MN 55709

Property Summary

Property Type	Single Family Home
Details	2 bd · 908 sqft · built 1937
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Aug 2025)
Tax Bill	$750 (2026)
Deeds & Mortgages	Jan 2012 Line of Credit Aug 2025 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`86-420-1060`

Property Details

APN / Parcel Number

Primary APN	`86-420-1060`
Alternative APNs	`149970` `110980` `69596`

Interior

Bedrooms	2 Beds
Stories	1 Story
Building Area	908 sqft Building Perimeter
1st Floor Area	908 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	125 ft deep x 29 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	149970
Street Address	409 3RD ST
City	BOVEY
State	MN
Zip	55709-2646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	LOT 11-BLK 10
Legal Range	24W
Legal Township	56N
Legal Section	32
Legal Subdivision	FIRST ADDITION TO BOVEY
Legal Block	10
Legal Lot Number	11
Jurisdiction	ITASCA MN
Township / Civil Division	BOVEY
Census Block Group	2
Census Block	2078
Census Tract	481002

Owner

Source: Itasca County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 3RD ST, BOVEY, MN 55709-2646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2012	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Aug 5, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage WOODLAND BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2025 · Amount on Record
Deed Sale	Aug 5, 2025 · Amount on Record
Prior Sale	Jun 1, 2005 · Amount on Record
Deed Document Number	2025790360
Record Updated	Oct 29, 2026

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ITASCA MN
Property Address	409 3RD ST, BOVEY, MN 55709-2646
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000661112
Date	Jan 31, 2012
Instrument	A000661112

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 11, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ITASCA MN
Recording Date	Aug 5, 2025
Property Address	409 3RD ST, BOVEY, MN 55709-2646
Document Number	A000790360
Instrument Date	Jul 29, 2025
Instrument	A000790360
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	409 3RD ST, BOVEY, MN 55709-2646

Mortgage

Document Number	A000790361
Date	Aug 5, 2025
Instrument	A000790361

Lender

Name	WOODLAND BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Tax Assessment & Valuation

Source: Itasca County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Itasca County
Municipality	Bovey City
Unified School District	Greenway Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$750.00 (-24.24%)
2025		$104,500 (+18.08%) Land $4,900 Building $99,600	$104,500 (+18.08%) Land $4,900 Building $99,600
2024	$990.00
2022		$88,500 Land $2,500 Building $86,000	$88,500 Land $2,500 Building $86,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 10, 2025

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Bovey serves 821 people · EPA ID MN1310003
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Midco Cable	250 / 20

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